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The Good, The Bad, And The Ugly Of Marble Countertops

The Good The Bad And The Ugly Of Marble Countertops

When building or remodeling, owners are faced with a myriad of confusing choices, not the least of which is what material to use for their kitchen counters.  Among the many preferred options are: granite, solid surface material, butcher block, concrete, and marble, specifically Carrara marble.

Marble is gorgeous both from a distance and up close, but unless you are familiar with and ready to maintain it, it also has some drawbacks.  Let’s examine a few:

  1. It won’t stay pristine for long:  Marble is easily scratched and stained.  You can’t chop vegetables directly on it as acidic liquids will stain the surface permanently.  Marble is more porous than natural stones or solid concrete.
  2. It can be seriously tricky to clean:  Acidic liquids of any kind, including organic cleaning products, are bad for marble.  Cleaning requires a special kind of cleaner which can cost at least $10 for 16 ounces.
  3. It requires extra work to protect it:  A seal can help protect your countertops, but it requires regular maintenance.  The recommended resealing process is every 3 – 6 months to maintain the luster and prevent staining.
  4. It can be bad for resale:  In five to ten years this product is likely to look very different and be less appealing to a prospective buyer than any other stones, which may age better with less maintenance.

Some lifestyles present additional reasons to resist the urge to install marble, for instance:   if you use the kitchen heavily, if you have children who will be eating or playing on the surface, or if you don’t have the interest/time for the maintenance it requires.

If you are a fan of HGTV shows, you would think that Carrara is the “go-to” for every project, and they do look beautiful when they are first installed.  What you don’t get a chance to view is what Carrara looks like after the family has lived in the house for any length of time. With all the other options out there, maybe foregoing Carrara isn’t such a difficult decision.

The moral of this article is: Study up on your preferred material for countertops before you buy them. You want to make sure you’ll be happy with it for years to come, as it is your home!

If you’re doing renovations or interested in alternative financing for your home or rental, call us today (707) 523-2099!

How To Significantly Increase The Value of Your Rental Property

Increase Rental Property Value

One of the best ways to insure the value of your rental property and increase your cash flow is to maintain and manage it well.  As a landlord you should be vigilant that your property does not depreciate because of your inattentiveness. Markets may fluctuate, and while this is something you don’t have particular control over, you can ensure that your property does not lose any value because of neglect.  

Here are some time-proven and relatively low-cost improvements that should increase the rental value and rentability.:

Landscaping Refresh:  

If the prospective renter sees a tidy, colorful front yard, it helps sets the stage for a more positive reaction to the interior.  A new mailbox or a freshly painted one can be a big plus.

Thorough Cleaning:

If painting the entire house is financially prohibitive, a good scrubbing inside and out will go a long way to say “this landlord cares”.  In particular, making sure the front door is welcoming and fresh. A newly painted door gives the impression that you have renovated the house for the next tenant.

Clean the Floors:

Cleaning the rugs, either by yourself or professionally, makes the house smell clean and will have an impact on the overall appearance of the home.  Any repairs required of other types of floors, regardless of cost, shouldn’t be ignored.

Appliance Upgrades:

One of the most important aspects considered by a prospective renter is  the kitchen, and more specifically, the appliances. If a good cleaning doesn’t bring them up to par, replace them!  It will get you a better renter and a better price. The other room where you don’t want to spare any elbow grease is the bathroom.  Tenants appreciate an up-dated, clean and bright bath.

Now that we have examined the extensive “To Do List” for attracting responsible renters, let’s take a look at how you will finance these improvements.  

The first avenue would be to look into a conventional loan or home equity loan, but if, for whatever reasons, you do not qualify for a conventional loan, consider a Hard Money loan from Sun Pacific Mortgage.  

We have been in the business of hard money refinancing and lending for investment property owners for over 30 years.    Please call us at 707-523-2099 with any of your questions or scenarios.

Investors, When Can We Expect the Next Recession?

Recession2018 Economist And Analysts Have Studied The Trends In Our Economic Growth Over The Past Decade And Beyond, And They Have Concluded That A Recession Is Coming In The Next Couple Of Years, 2020 Per Them.

Economist and analysts have studied the trends in our economic growth over the past decade and beyond, and they have concluded that a recession is coming in the next couple of years, 2020 per them.

But, as real estate investors, you have no need to panic!  A recession does not mean a housing crisis. A recession means the economy has slowed down markedly, but until the last recession, home values appreciated during an economic downturn.  

The causes for the real estate crash have been remedied for the most part, and we can presume, from historical data, that a recession will not have a negative impact on the housing market this time around.

What does that mean for you, the real estate investor?  You can sleep well knowing that your hard-earned money is as safe as possible and earning high returns, in this topsy-turvy world of today’s economy.

If you are looking for a higher return and safer harbor for your money, please call us at Sun Pacific Mortgage at 707-523-2099.  We will be happy to help place your funds in deeds of trusts, backed by California real estate. We invested $14 million the past month and aren’t slowing down any time soon.  Rest assured we will have trust deed offerings regularly available for your investing.

Hard Money – In A League All Of Its Own!

Pic Taking Advantage Of Hard Money For Real Estate Purchases And Refinances Will Not Only Put Your Client Into A Better Position, But It’ll Put You Into A League Of Your Own As Their Real Estate Or Lending Agent!

Taking advantage of Hard Money for real estate purchases and refinances will not only put your client into a better position, but it’ll put you into a league of your own as their Real Estate or Lending Agent!

Read below to see what recently funded by our office – including mega jumbo loans and 1-week-to-funding loans!

And Call Us today at (707) 523-2099 to see how we can help you, a friend or a client with our Hard Money Programs.

Best, Broker & Broker – The Guys in the White Hats

 

Recently Funded

Single Family Houses, Condos, Principal Residences +

Multi-Family Units, Commercial & Office

$2,541,000 – Oceanside, San Diego County
Owner Occupied Refinance Business Purpose
64% Loan to value
27 Days to Fund

$1,750,000 – Saint Helena, Napa County
Non-Owner Occupied Refinance
63% Loan to value
7 Days to Fund

$690,000 – Petaluma, Sonoma County
Non-Owner Purchase
53% Loan to value
22 Days to Fund

$650,000 – West Hills, Los Angeles County
Owner Occupied Bridge Loan
65% Loan to value
22 Days to Fund

$341,000 – Cazadero, Sonoma County
Non-Owner Refinance
55% Loan to value
13 Days to Fund

$265,000 – Santa Rosa, Sonoma County
Owner Occupied Bridge Loan
75% Loan to value
27 Days to Fund

Feeling Strange About Hard Money? Let Us Show You Our Magic!

Image2 Jumbo Loan Funded Magically Fast

Jumbo Loan Funded Magically Fast

A Home Buyer was referred to us by his Lender because he need a few more months to fix some “strange” credit issues before he could qualify for a conventional loan. But neither of them wanted to wait or they would miss out on a great investment purchase in Napa. This is when they came to us.

The Buyer had a significant amount of money for a down payment but the loan size he needed was still quite large, at $1,750,000.00. Well, this didn’t phase us. We worked our Hard Money magic and within just 7 days, we had this loan approved, funded and cash in hand for that great investment purchase!

There is nothing strange about Hard Money.
– It is fast! (Many loans funded in less than a week)
– Just two main qualifications: 1. Decent down payment or good existing equity and
2. Ability to repay the loan (source of income).

If you or a client runs into any strange loan approval issues, don’t hesitate to Call Today at 707-523-2099 so we can help with our “Magical” Hard Money programs!

Don’t Get Left In The Dark – Use Hard Money!

1 We Won’t Leave You Waiting Or Wondering If You Have Loan Approval.  We Are Fast In Getting Approvals And Getting Your Loan Funded. We Have Gotten Many Loans Done In Less Than 1 Week!

We won’t leave you waiting or wondering if you have loan approval.  We are FAST in getting approvals and getting your loan funded. We have gotten many loans done in less than 1 week!

See below for multiple scenarios that we got done FAST.

We are here to help you, a client or someone you know get their loan approved! Call Us Today at 707-523-2099.

 

Funded Loans By Us

Includes: Single Family Houses, Condos, Principal Residences, Multi-Family Units, Commercial & Office

$990,000 – Santa Rosa, Sonoma County
Owner Occupied Bridge Loan
65% Loan to value
7 Days to fund!

$1,312,000 – West Hollywood, Beverly Hills County
Non-Owner Purchase
67% Loan to value
10 Days to fund!

$250,000 – Hope Ranch, Santa Barbara County
Non-Owner Refinance
60% Loan to value
18 Days to fund!

$1,100,000 – Santa Rosa, Sonoma County
Commercial Purchase
55% Loan to value
14 Days to fund!

$750,000 – Napa, Napa County
Owner Occupied Bridge
70% Loan to value
19 Days to fund!

$337,500 – San Leandro, Alameda County
Non-Owner Purchase
70% Loan to value
21 Days to fund

Spring Into Action With Hard Money

“Your team saved my house!  And closed very quickly!  When others say “no”, you are ready to go.  Very professional and friendly and you get it done!!”  Borrower, N.A.

Spring Field 2 “Your Team Saved My House!  And Closed Very Quickly!  When Others Say “No”, You Are Ready To Go.  Very Professional And Friendly And You Get It Done!!”  Borrower, N.a.

We work to get you FAST loan approval and financing for your real estate purchase or refinance. Our Hard Money loans provide multiple options and can make that impossible deal – possible! We also do Jumbo size loans. See below for some recently funded loans.

And Call Us Today at 707-523-2099 to see how we can help you, a friend or a client spring into action and get that loan done!

Best, Broker & Broker – The Guys in the White Hats

 

Recently Funded By Us

Single Family Houses, Condos, Principal Residences

$680,000 – SFO, San Francisco County
Non-Owner Purchase
62% Loan to value
12 days to Fund!

$750,000 – Los Altos, Santa Clara County
Owner Occupied Refinance Business Purpose
69% Loan to value
10 Days to Fund!

$400,000 – San Jose, Santa Clara County
Owner Occupied Temporary
63% Loan to value
21 Days to Fund!

$475,000 – Atascadero, San Luis Obispo County
Owner Occupied business Purpose Refinance
60% Loan to value
22 Days to Fund!

Multi-Family Units, Commercial, Office & Land

$540,000 – Petaluma, Sonoma County
Non-Owner Purchase
59% Loan to value
17 Days to Fund!

$1,025,000 – Fort Bragg, Mendocino County
Commercial Refinance
50% Loan to value
22 Days to Fund!

$1,430,000 – Sloughhouse, Sacramento County
Non-Owner Refinance Business Purpose
53% Loan to value
19 Days to Fund!

Bullseye – With Hard Money

Succeed With Hard Money Our Target For Every Loan Is To Hit The Bullseye!  Quickly Fund; Provide Multiple Options; Make An Impossible Deal Possible; Fund Jumbo Size Loans.

Our target for every loan is to hit the bullseye!  Quickly Fund; Provide Multiple Options; Make an impossible deal possible; Fund jumbo size loans.

“You are easy to work with and you get the job done.  I know early on IF you can do the deal or not and then not much changes to Closing.  Together I KNOW that we are doing clients a great service from their thank you’s”.   Broker – JF

See below for some recently funded loans.  And Call Us today at 707-523-2099 to see how we can help you, a friend or a client with similar scenarios!

Recently Funded By Us

Single Family Houses, Condos, Principal Residences

$540,000 – Petaluma, Sonoma County
Non-Owner Purchase
59% Loan to value
17 days to Fund!

$462,000 – San Leandro, Alameda County
Owner Occupied Refinance Business Purpose
69% Loan to value
9 Days to Fund!

$365,000 – Santa Rosa, Sonoma County
Non-Owner Purchase
65% Loan to value
11 Days to Fund!

Multi-Family Units, Commercial, Office & Land

$780,000 – Pomona, San Bernardino County
Non-Owner Refinance
60% Loan to value
22 Days to Fund!

$1,430,000 – Sloughhouse, Sacramento
Non-Owner Refinance Business Purpose
53% Loan to value
19 Days to Fund!

$1,100,000 – Thornton, San Joaquin County
Commercial Purchase
50% Loan to value
26 Days to Fund!

We Fund Them BIG

Promo4Guyshat2 Only Two Main Qualifications For Our Hard Money Loans:

Only two main qualifications for our Hard Money Loans:

1. Equity or a decent down payment.

2. An ability to repay the loan.

 

RECENTLY FUNDED BY US

NOTE: We can finance up to 75% Loan to Value, case by case basis.

Single Family Houses, Condos, Principal Residences

$700,000 – Sonoma in Sonoma County, California
Non-Owner 2nd
3 Years Interest Only
8 days to Fund!

$1,050,000 – San Juan Capistrano in Orange County, California
Owner Occupied Temporary
12 Months Interest Only
15 Days to Fund!

$462,000 – San Leandro in Alameda County, California
Owner Occupied Business Purpose Refinance
12 Months Interest Only
9 Days to Fund!

 

Multi-Family Units, Commerical, Office & Land

$540,000 – Petaluma in Sonoma County, California
Non-Owner Purchase
2 Year Interest Only
17 Days to Fund!

$878,000 – Orange in Santa Ana County, California
Non-Owner Refinance
12 Months Interest Only
12 Days to Fund!

$780,000 – Pomona in San Bernardino County, California
Non-Owner Refinance
12 Months Interest Only
22 Days to Fund

 

Make Your Dream A Reality in 2018

1 Owning Your Own Home Doesn’t Need To Be A Fairy Tale Or A Figment Of Your Imagination.  2018 Can Be The Year You Make It Happen By Simply Dispelling Some Commonly Held Homebuying Myths Regarding Age And First-Time Home Buyers.  

Owning your own home doesn’t need to be a fairy tale or a figment of your imagination.  2018 can be the year you make it happen by simply dispelling some commonly held homebuying myths regarding age and first-time home buyers.  

According to realtor.com, 65% of all surveyed homebuyers were first-time buyers and 40% of all homebuyers are 34 years old and younger.  More Millennials and Gen Y have gotten into the real estate market as rents rise, making it a more palliative option.  Renting means paying someone  else’s mortgage.  

How are the first-time buyers finding the down payment?  Some have set up small, weekly automatic bank transfers to savings, some have borrowed from family to help with the down payment, and many have made deep cuts into their budgets like brown bagging it, limiting trips and foregoing more expensive forms of entertainment.

The realtor.com Home Affordability Calculator can help to determine what price range you can afford.  If you find that you do not qualify for a conventional loan, Sun Pacific Mortgage is here to help you get into your first home and to begin establishing equity for the future, using their Hard Money loan programs.     

 

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